K****D
发帖数: 30533 | 1 If I feel the fed is going to raise interest rate, what's the
best strategy to park extra safe cash? (This money has zero
loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
CD is good when I feel the fed is going to drop interest rate,
but not necessarily good now. (It's usually a few tens of base
points above savings rate though.) Any other choices/combinations? |
l*********e
发帖数: 7492 | 2 high yield savings?
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
K****D
发帖数: 30533 | 3 It's hard to decide if that's better than CD.
Say, 1-year CD is 1.5%, savings is 1.3% now but has room to rise.
Which one would you choose?
【在 l*********e 的大作中提到】
: high yield savings?
|
K****D
发帖数: 30533 | 4 Is there any fix income fund to recommend? Tax-wise that might
be better.
【在 K****D 的大作中提到】
: It's hard to decide if that's better than CD.
: Say, 1-year CD is 1.5%, savings is 1.3% now but has room to rise.
: Which one would you choose?
|
s**********d
发帖数: 36899 | |
f*****g
发帖数: 15860 | 6 how much are you talking about?
for ~$30K, reward checking is the way to go, a lot of small but FDIC insured
banks offer 4%+ rate, the only catch is you need to make 10 or 12 debit
transactions each month + 1 ACH.
for example:
https://www.bankofthesierra.com/index.html
more can be found at:
http://www.depositaccounts.com/checking/reward-checking-accounts.html
【在 K****D 的大作中提到】
: It's hard to decide if that's better than CD.
: Say, 1-year CD is 1.5%, savings is 1.3% now but has room to rise.
: Which one would you choose?
|
K****D
发帖数: 30533 | 7 Please assume reward checking is not a choice. (It does not suit my
family life style. We do not make frequent small purchases and do
not want to work on that to get the extra interest. It sounds more
like "salary" that way, hehe.)
insured
【在 f*****g 的大作中提到】
: how much are you talking about?
: for ~$30K, reward checking is the way to go, a lot of small but FDIC insured
: banks offer 4%+ rate, the only catch is you need to make 10 or 12 debit
: transactions each month + 1 ACH.
: for example:
: https://www.bankofthesierra.com/index.html
: more can be found at:
: http://www.depositaccounts.com/checking/reward-checking-accounts.html
|
f*****g
发帖数: 15860 | 8 hehe, easy thing, i use it to get a cup of coffee or lunch everyday.
and very flexible, open/close any time, risk free.
【在 K****D 的大作中提到】
: Please assume reward checking is not a choice. (It does not suit my
: family life style. We do not make frequent small purchases and do
: not want to work on that to get the extra interest. It sounds more
: like "salary" that way, hehe.)
:
: insured
|
n******n
发帖数: 12088 | 9 short cd？
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
s*****n
发帖数: 2174 | 10 没有吧. 保本的投资, 本来就不多.
如果存在这样的投资方式的话, cd早就消失了.
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
|
|
h********e
发帖数: 48 | 11
Choose a longer CD and then quit with penalty.
For example, 5 years CD is 3%, penalty two months interest.
If you keep more than 4 months, it is better than 1-year CD.
You get high rate and felxibility.
This strategy is good for the banks I'm interested in.
【在 K****D 的大作中提到】
: It's hard to decide if that's better than CD.
: Say, 1-year CD is 1.5%, savings is 1.3% now but has room to rise.
: Which one would you choose?
|
h********e
发帖数: 48 | 12 Now adays, long cd is better than short cd, even if you quit with penalty..
【在 n******n 的大作中提到】
: short cd？
|
s********n
发帖数: 4535 | 13 reward checking? 4.x%
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
g*****g
发帖数: 34805 | 14 ETF like PVI?
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
s****y
发帖数: 561 | 15 brokerage firm有利息比较高的cd，例如现在有jpmorgan chase 7%的， 条件是cms 0-
6.25% 之间
或者morgan stanley 12% note
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
n******n
发帖数: 12088 | 16 很麻烦啊。
insured
【在 f*****g 的大作中提到】
: how much are you talking about?
: for ~$30K, reward checking is the way to go, a lot of small but FDIC insured
: banks offer 4%+ rate, the only catch is you need to make 10 or 12 debit
: transactions each month + 1 ACH.
: for example:
: https://www.bankofthesierra.com/index.html
: more can be found at:
: http://www.depositaccounts.com/checking/reward-checking-accounts.html
|
m******t
发帖数: 2416 | 17 I was going to suggest ultrashort treasury MFs or ETFs, but those aren't
exactly "zero loss tolerance".
Maybe start a pipeline of 3 or 6 months CDs?
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
s******d
发帖数: 323 | 18 your time frame?
【在 K****D 的大作中提到】
: If I feel the fed is going to raise interest rate, what's the
: best strategy to park extra safe cash? (This money has zero
: loss tolerance, i.e., can only accept 0.0% APY at the minimum.)
: CD is good when I feel the fed is going to drop interest rate,
: but not necessarily good now. (It's usually a few tens of base
: points above savings rate though.) Any other choices/combinations?
|
g********3
发帖数: 1281 | 19 where to get morgan stanley 12% note?
0-
【在 s****y 的大作中提到】
: brokerage firm有利息比较高的cd，例如现在有jpmorgan chase 7%的， 条件是cms 0-
: 6.25% 之间
: 或者morgan stanley 12% note
|
N*C
发帖数: 1987 | 20 这么高的利息绝不可能保证保本。
0-
【在 s****y 的大作中提到】
: brokerage firm有利息比较高的cd，例如现在有jpmorgan chase 7%的， 条件是cms 0-
: 6.25% 之间
: 或者morgan stanley 12% note
|
|
|
K****D
发帖数: 30533 | 21 Interesting stuff, thanks.
【在 g*****g 的大作中提到】
: ETF like PVI?
|
K****D
发帖数: 30533 | 22 Limited to the time frame during which I feel Fed is going to
raise rate. For now, probably estimated 2 years?
【在 s******d 的大作中提到】
: your time frame?
|
l**i
发帖数: 176 | 23 这个tax free怎么弄啊？
报税的时候不填进去？这个交易不报告给税务局吗？
【在 g*****g 的大作中提到】
: ETF like PVI?
|
y****e
发帖数: 23939 | 24 根据你的条件，难道muni不是最好的选择吗？
【在 K****D 的大作中提到】
: Is there any fix income fund to recommend? Tax-wise that might
: be better.
|
a*****s
发帖数: 3643 | 25 TPINX
if you can buy it in your broker. |
